At EJC Insurance & Financial, we ensure that you receive the right contractor insurance to support your business operations seamlessly.
Our online platform provides cost-effective solutions, enabling you to secure your business and return to your essential tasks efficiently. Our specialty lies in crafting business insurance plans tailored specifically for contractors.
Many Subcontracting Services Included, Ask Us For More Specifics
Appliance Technician, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plumber, Roofing, Siding Installation Contractor, Solar Contractor, Snow Plowing, Welding, Tile, Stone and Flooring Installer, Paperhanger, Fence Installation Contractor, Lawn Care, Landscaping.
The Importance of Business Insurance for Construction Contractors
Construction contractors require business insurance as a safeguard against various unexpected incidents and accidents, such as an employee’s fall from a ladder or a collision involving your work vehicle.
Often, having insurance is mandatory for obtaining licenses and securing contracts. More importantly, a fitting insurance policy ensures that you don’t have to bear out-of-pocket expenses if an unfortunate incident occurs. With the right coverage, you can concentrate on your work, free from the nagging concerns of potential mishaps.
How Contractors Liability Insurance Safeguards Your Business
Contractor liability insurance can alleviate the financial strain if you are charged with causing an injury or property damage at a job site or held accountable for a work error leading to financial losses. At EJC Insurance & Financial, we blend two types of liability insurance to give you a comprehensive business insurance package:
- General Liability Insurance forms the foundation of robust contractor insurance coverage. Considering the significant time contractors like you spend on others’ property, it’s easy to foresee potential accidents – a ladder scratching a hardwood floor, or someone tripping over your extension cord and injuring themselves.
- Errors and Omissions Insurance (Professional Liability) protects you from allegations of work inadequacy, regardless of their veracity. If a client believes that you have failed to meet agreed-upon services, they may claim a re-do. This coverage assists with the expenses to defend your business or resolve the issue.
Additional Essential Business Insurance Coverages for Contractors In Colorado
While liability insurance is an excellent start, you may also tailor your business insurance to secure your employees, tools, equipment, and vehicles. We typically suggest:
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Workers’ Compensation Insurance
Workplace injuries are more common than you’d think, particularly in your industry. Workers’ comp eases these situations by helping cover medical expenses for job-related injuries and illnesses. This coverage can also compensate for lost wages while recovering from a workplace accident. Except for Texas, every state requires businesses with employees to have this coverage.
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Commercial Auto Insurance
If your business owns work vehicles, you’ll likely need commercial auto insurance. This coverage can also insure your personal vehicle if used for business. However, personal auto insurance won’t cover your company car.
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Tools & Equipment Insurance
If you frequently work at various locations, consider adding tools and equipment coverage. This policy can augment your general liability insurance, covering repair and replacement costs for all your tools and equipment.
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Interior Carpentry Insurance Coverage
In the realm of carpentry, interior carpenters play a unique role, contributing to the beautification of indoor spaces. They expertly work with wood, install cabinets, create moldings, trim windows, and carry out numerous other detailed tasks. However, the precision and intricacies associated with this profession don’t shield it from potential risks. At EJC Insurance & Financial, we provide specialized insurance policies for interior carpenters to address the unique challenges of this profession.
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Concrete Flatwork Insurance Coverage
Concrete flatwork is a specialized field within the construction industry that involves the creation of flat surfaces such as driveways, patios, walkways, foundations, and floors. These professionals often encounter a unique set of risks and challenges in their work. Recognizing these risks, EJC Insurance & Financial offers an insurance solution tailored to concrete flatwork professionals.
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Engineering Services Insurance Coverage
Engineering is a field that encompasses a multitude of disciplines, each with its own set of complexities and risks. Engineers are often responsible for designing, planning, and supervising critical aspects of various projects. Given the nature of their work, they need to be protected against potential claims or liabilities that may arise. At EJC Insurance & Financial, we provide a tailored insurance solution designed specifically for engineering services.
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